Chương trình Bảo hiểm Major Medical của Pacific Cross được thiết kế cho những người chỉ muốn được bảo hiểm cho tai nạn và bệnh nghiêm trọng và muốn có chiết khấu để giảm phí bảo hiểm hằng năm. Chương trình này có quyền lợi bảo hiểm cao với phí bảo hiểm thấp và rất linh hoạt để cho khách hàng có thể chọn mức khấu trừ, khu vực điều trị, nha khoa, tai nạn cá nhân hay quyền lợi bảo hiểm du lịch.

  • Tự do lựa chọn bác sĩ và bệnh viện

  • Bảo đảm tái tục bảo hiểm bất kể tuổi tác, điều kiện sức khỏe hoặc địa điểm 

  • Bảo hiểm theo khu vực địa lý linh hoạt 

  • Trợ giúp khẩn cấp 24/7

Benefits are not paid for sickness during the first 30 days of coverage. Benefits for injuries due to covered accidents occurring wholly after the effective date are covered immediately.

Exclusions (Extract from the policy)

Medical plans do not cover care, treatment, services or supplies for:

  • Pre-existing conditions not declared to and accepted by the Company;

  • Which the Insured Person is entitled to indemnity from a third party or other benefit plan;

  • Birth control; treatment of impotence or infertility (including artificial insemination, in-vitro fertilization, embryo transfer); sterilization reversal or elective abortion;

  • Congenital conditions and genetic deformities or diseases;

  • Weight treatment and management or bariatric surgery;

  • Developmental abnormalities;

  • Persistent Vegetative State or permanent neurological damage;

  • Custodial Care, home care or services, routine medical check-ups, or any treatments considered unnecessary by the Company, vaccinations, counselling, hearing tests, refractive defects of the eye, corrective eye surgery for refractive error, corrective devices, or dental treatment unless covered under the optional benefits cover of this policy for vision, dental, or medical check-up;

  • Disability resulting from war or any act thereof, service in the military, naval or air force, riot, civil commotion;

  • Hazardous or professional sports unless declared to and accepted by the Company;

  • Intentionally self-inflicted injury, suicide, abuse of alcohol, drug addiction or venereal diseases;

  • Cosmetic or reconstructive surgery;

  • Prosthesis, orthotic devices, corrective devices and medical appliances not required for a surgical operation;

  • AIDS, AIDS Related Complex, or Human Immunodeficiency Virus (HIV) and/or related illnesses which manifest at any time within five years from the Insured Person’s effective date; and

  • Expenses incurred for provision of medical documentation required by the Company.